if you think medicare looks bad, medicare is a walk in the park to what this thing could be in terms of the complexity of it, in terms of the cost of it. >> neil: i don't know two people who know -- in other words, who can agree on its provisions, even how doctors are going to get paid. >> look at senator max baucus, one of the authors of this, looks at sebelius and says this is a train wreck. >> neil: but i admired him early on. wasn't he the guy who said, charles payne, we have people to read this? >> exactly. >> neil: when you start saying, i had people to read this -- >> hhs has missed dozens of deadlines -- >> there is a lot we don't know. but what we do know, draconian interpretation is full time work. this is going to destroy people. their hours are going to go from 40 to less than 30. we know a -- >> neil: a lot of this is already happening. >> a lot of states aren't prepared. the $40 an hour to tell you there is a platinum gold, bronze, that's a farce. >> deadline is october 1 for these state exchanges. good luck meeting that, too. >> neil: in a way, what's going to happen,